The MCCA is a private, non-profit association whose mission is to protect the financial integrity of Michigan's auto insurance industry by providing an effective reinsurance mechanism for Personal Injury Protection (PIP) benefits.

September 26, 2017

Purpose

The Michigan Catastrophic Claims Association (MCCA), a private non-profit unincorporated association, was created by the state Legislature in 1978. Michigan's unique auto insurance no-fault law provides unlimited lifetime coverage for medical expenses which result from auto accidents. The MCCA reimburses auto no-fault insurance companies for each Personal Injury Protection (PIP) medical claim paid in excess of a set amount. Currently that amount is $555,000. That means that the insurance company pays the entire claim, but is reimbursed by the MCCA for medical costs over $555,000.

All auto insurance companies operating in Michigan are assessed to cover the catastrophic medical claims occurring in Michigan. Those assessments are generally passed on to auto insurance policyholders. The 2017-2018 assessment is $170.00 per vehicle.

PRESS RELEASE - March 22, 2016
Articled last year
The Michigan Catastrophic Claims Association (the MCCA) assessment to insurance companies will be $160.00 per insured vehicle effective July 1, 2016 to June 30, 2017.

PRESS RELEASE - March 25, 2015
Articled 3 years ago
The Michigan Catastrophic Claims Association (the MCCA) assessment to insurance companies will be $150.00 per insured vehicle effective July 1, 2015 to June 30, 2016.